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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all new poster here can anyone help?

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I posted my first letter to the Halifax on the 13th December claiming for £800. This was an estimated amount based on the 20 months statements I had got.


They have called me today and offered me £607 as a "goodwill gesture".

In the letter I sent I asked them to give me the details of the amount they did owe me if they disagreed with the £800 I was claiming.


My question is Can I now go back to them and say thanks for the offer but how much do you actually owe me??


Any help appreciated.


And thanks to everyone on here for the inspiration they have given me.

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Hello, you don't say how long you've had the account, is it more than 20months?


If it is then send then a SAR data prtection letter asking for full disclosure, along with a cheque/postal order for £10.00. that way you'll find out exactly how much they owe you.


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if their offering you £607 already you can bet its MUCH MUCH more than £800, so as saxon says S.A.R now and forget about your letter and their offer. and while your waiting for the info to come have a good read of the threads in the forum especially the F.A.Q.s here http://www.consumeractiongroup.co.uk/forum/faq.php

oh yeah WELCOME :D

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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Thanks for your response I have just called the Halifax and they have told me that they have levied charged of £1164 on my account over the last six years.


Now I know this info I will turn down the offer and persue the rest as advised.


Thanks for the help.

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Just to let everyone know. Halifax seem to be willing to settle up most cases over the telephone. I called them back saying I would settle for £1000 against charges of £1164, refusing the offer of £607 they made me.


They agreed virtually straight away, gave me a case number and told me to ammend the offer letter and return it :D. Money in my account within 7/10 days.




Off to get MBNA, Barclaycard and Citibank now!


Thanks once again for the advice and inspiration this forum has given me.

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If you offer to settle for less than you are entitled then they usually snap your wrist off to agree to that. Even if it's only a fiver under they seem happier to do that than give the full amnount.


Of course it's your call, if you were happy to take less then that's fine, you've settled. You could probably have got them to give more though.


And, had it reached court stage, you would have got the lot, plus added interest. OK, a bit more hassle in going that far, but usually worth it.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.


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